BCT Smart Checking™

• Minimum deposit of $50.00 to open account
• Free VISA® debit/ATM Card
• Earn a high interest rate on account balances up to $25,000.00*
• Use any ATM nationwide and we will refund ATM fees up to $25.00 each qualifying cycle*
• Touchline24 (telephone banking information system 304.728.2424)

1. Complete 12 transactions with your BCT VISA® Debit Card (not including ATM withdrawals)
2. Schedule One ACH direct deposit or direct debit
3. Log on to BCT's FREE NetTeller at least once
4. Receive your account statement electronically (BCT E-Statements)

Silver Checking

• No minimum deposit required
• Free VISA® debit/ATM card
• Unlimited check writing privileges
• “Bounce Protection” (Overdraft protection available to qualified applicants; a $30.00 per item fee charged for all debits creating an overdraft.)
• Free NetTeller with BillPay
• Detailed monthly statement with check images
• Bank by mail
• Touchline24 (telephone banking information system 304.728.2424)
• BCT is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

Gold Checking

• Minimum deposit of $1,000.00 to open account
• Free VISA® debit/ATM Card
• Competitive rate of interest paid when account maintains a minimum balance of $1000.00.
• Unlimited check writing privileges
• “Bounce Protection” (Overdraft protection available to qualified applicants; a $30.00 per item fee charged for all debits creating an overdraft.)
• Free NetTeller with BillPay
• Detailed monthly statement with check images
• Bank by mail
• Touchline24 (telephone banking information system 304.728.2424)

Platinum Checking

• Minimum deposit of $5,000.00 to open account
• Free VISA® debit/ATM Card
• Free first order of checks
• Higher yielding tiered interest bearing account – tiered rates begin at $.01 with increases at $5,000.00, $25,000.00 and $100,000.00
• Unlimited check writing privileges
• “Bounce Protection” (Overdraft protection available to qualified applicants; a $30.00 per item fee charged for all debits creating an overdraft.)
• Free NetTeller with BillPay
• Detailed monthly statement with check images
• Bank by mail
• Touchline24 (telephone banking information system 304.728.2424)

Peak Performance Money Market

(Consumer and Business Accounts)

• Minimum deposit of $5,000.00 to open account
• Higher yielding tiered interest bearing account – tiered rates begin at $.01 with increases at $25,000.00, $50,000.00 and $100,000.00
• “Bounce Protection” (Overdraft protection available to qualified applicants; a $30.00 per item fee charged for all debits creating an overdraft.)
• Free NetTeller and Free Online BillPay
• Detailed montly statement with check images
• Bank by mail
• Touchline 24 (telephone banking information system 304.728.2424)
• Unlimited in person and ATM transactions per month
• Third Party Transactions (i.e. ACH's, Drafts, Checks, Debit Card transactions, NetTeller transactions, Telephone transactions, etc.) are limited to 6 per statement cycle.
• $10.00 fee charged for each transaction exceeding the 6 allowable transactions

Business Checking

• No minimum deposit required
• Free Business VISA® debit/ATM card
• Unlimited check writing privileges
• Free NetTeller Internet banking with optional Business NetTeller at $24.95 per month
• Free personalized deposit stamp with new account only
• CD of check images available for $25.00 plus consumer sales tax

Savings Account

• Minimum deposit of $10.00 required for children under 18 (adult may be required) to open account.
• Minimum deposit of $50.00 (for those 18 or older) to open account
• Interest is earned daily and credited quarterly
• Detailed quarterly statement provided
• 6 withdrawals from the account are allowed each month (additional withdrawals may be subject to a fee)
• Free NetTeller
• Free ATM card for the savings account that can be used to make withdrawals, transfer funds to another linked BCT account and to obtain balance information

Centsables Savings

• The Centsables banking program encourages savings by providing youngsters with their own interest-bearing savings accounts, plus Censtsables prizes as their savings grow.
• Minimum opening balance - $10.00 (As a thank you, BCT will make a deposit to the account of $5.00 on the day it is opened)
• Interest is earned daily and credited quarterly
• Detailed Quarterly statements provided
• Program targeted for kids 6-12 years old, combines entertainment with education.
• The Interactive Centsables website, Centsables comic book series, and much more can be accessed directly from www.mybct.com
• To open your child’s Centsables Savings Account, or to have your child’s existing savings accounts converted to the Centsables Savings account, stop by any BCT branch for more details.